About Us
Sterling Private Capital was founded by individuals who have personally experienced foreclosure, eviction, and financial exclusion within the traditional U.S. banking system.
For many of our founding members, rigid banking practices, opaque loan terms, sudden rate increases, and impersonal servicing led to the loss of homes, destabilized families, and long-term financial harm.
Rather than remaining victims of a system that failed them, these individuals chose to organize, pool knowledge, and rebuild access to capital through a cooperative model grounded in lived experience.
As a cooperative, we prioritize
Human-centered underwriting based on real-life situations, not algorithms alone
- Transparency at every stage of the lending process
- Prevention of avoidable foreclosures through sustainable loan structures
- Long-term relationships over short-term profit
- Full compliance with U.S. federal and state lending regulations
We are not a bank. We are a cooperative platform created by people who understand firsthand what happens when lending lacks humanity — and who are committed to doing it differently, responsibly, and legally.
Our Story – From Foreclosure to Cooperation
Sterling Private Capital was not created in a boardroom.
It was born in courtrooms, eviction notices, forced sales, and silent nights spent wondering how a signed mortgage agreement had turned into the loss of a family home.
Our founding members are individuals who experienced foreclosure firsthand after being caught in rigid mortgage structures, sudden rate increases, opaque servicing practices, and algorithm-driven decisions with no human accountability.
Some lost homes despite years of timely payments. Others were denied restructuring when temporary hardship struck. Many were treated as numbers, not people.
Instead of remaining isolated victims of a system that failed them, they chose cooperation.
They studied private lending, compliance, risk management, and cooperative finance. They connected with ethical private lenders who shared a simple belief:
**foreclosure should never be a business model.**
Sterling Private Capital was created to ensure that what happened to them would not happen again — at least not without every possible alternative being explored first.
Today, our cooperative stands as a legally compliant, ethically grounded private lending platform built by those who understand the cost of failure — and the value of responsible capital.
Our Mission
Our mission is to repair the harm caused by exclusionary and inflexible lending practices by offering ethical private financing solutions that are built around people, not penalties.
Sterling Private Capital exists to provide real alternatives for individuals who have been:
- Denied financing despite viable projects
- Forced into foreclosure due to rigid loan servicing
- Penalized for non-traditional income or past financial hardship
We support
- Homebuyers seeking stability after past housing loss
- Property investors rebuilding after foreclosure
- Entrepreneurs and self-employed individuals underserved by banks
- Borrowers with non-traditional financial profiles
Our solution is not reckless lending — it is **responsible, sustainable, and transparent private capital**, designed to prevent repeat harm while strengthening communities and protecting cooperative members.
Ethical Charter
Sterling Private Capital operates under an ethical charter shaped by lived experience, legal responsibility, and community accountability.
Transparency
- Full disclosure of terms, fees, risks, and borrower obligations
- No hidden clauses or retroactive changes
Fair Lending
- No discriminatory practices
- Equal opportunity evaluation in compliance with U.S. law
- Active avoidance of predatory structures
Responsibility
- Loans structured to support long-term borrower sustainability
- Foreclosure treated as a last resort, not a business strategy
Prevention of Harm
- Early intervention when borrowers face difficulty
- Preference for restructuring over eviction whenever legally possible
Compliance
Strict adherence to all applicable federal and state lending regulations
Integrity
Honest, documented, and respectful communication at all times
Testimonials
"We were approved by Sterling Private Capital after two banks rejected us without explanation. Everything was transparent — rates, fees, timeline. No surprises. No sudden changes. We finally have a stable home and a payment we understand."
Daniel & Sophia M. – Texas
"After foreclosure, I thought homeownership was over for me forever. Sterling Private Capital didn’t judge my past — they looked at who I am today. This loan helped me rebuild with dignity and structure. For the first time, I felt treated like a human being, not a credit score."
Angela T. – Georgia
“I was weeks away from losing my home. The bank refused to restructure, even though my income had recovered. Sterling Private Capital stepped in when no one else would. The bridge loan gave me time — real time — to stabilize and refinance properly. Without them, my family would have been evicted.”
Michael R. – Florida
“As a business owner, my income didn’t fit the bank’s boxes. Sterling Private Capital looked at contracts, cash flow, and long-term viability, not just paperwork. They asked real questions and offered real solutions. That approach made all the difference.”
Carla S. – California
“Sterling Private Capital approached my investment like a partnership — risk, exit, numbers. No pressure. No hype. Just disciplined private capital. That’s rare.”
Robert K. – Arizona
Business Hours
Monday to Friday: 9:00 AM – 5:00 PM
Saturday: 10:00 AM – 3:00 PM
Sunday: Closed
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